The average is comprised of 100 of the most popular credit cards in the country, including cards from dozens of leading U.S. issuers and representing every card category. Introductory (teaser) rates are not included in the calculation.

Rates for card categories tracked by CreditCards.com are listed below:

The national average annual percentage rate (APR) rose to 14.94 percent Wednesday. This is the first time in three months that the national average has increased.

Chase prompted this week's rate change by increasing the APR on the Chase Freedom card by 1 percentage point. The cash-back card previously featured an APR range of 12.99 percent to 22.99 percent. Now, cardholders may be offered an APR from 13.99 percent to 22.99 percent.

The higher rate on the Chase Freedom card caused other rate categories to rise as well. For example, the average APR for rewards credit cards is now 14.73 percent, up from 14.72 percent. The average APR for balance transfer cards also rose from 12.59 percent to 12.62 percent.

CreditCards.com is the leading online credit card marketplace connecting consumers with multiple credit card issuers, including a majority of the 10 largest in the United States, based on credit card transaction volume. CreditCards.com, http://www.creditcards.com, enables consumers to search for, compare and apply for credit cards and offers credit card issuers an online channel to acquire qualified applicants.